Disgusting Service from Mutual and Federal

They are *****. I have been paying my premiums all along and now that I want to claim they can conveniently refer to the fine print in the policy wording which to this day I have not received after numerous requests via phone and email. This was not explained by the consultant who initiated the policy..and by not receiving policy wording I wasn't aware of what the policy covered me for. Please don't fall into the same trap!